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Siu

Carbondale, IL · Charter 60279

NCUA · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

80

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Siu

Carbondale, IL · Charter 60279

NCUA · 7 branches

Q2 2026

$591.3MAssets
$391.4MLoans
$519.4MShares
$68.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.17%, up 22 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.90% of loans (+47 bps YoY).
  • Capital: net worth / assets of 11.56%, up 13 bps from a year ago.
  • Funding: loans stand at 75.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+9 bps YoY

Efficiency Ratio (YTD, annualized)

66.39%-389 bps YoY

Net Worth / Assets

11.56%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.96%1.06%1.30%1.17%+22 bps
Return on Equity8.32%8.30%9.20%11.46%10.09%+177 bps
Net Interest Margin3.49%3.58%3.53%3.52%3.58%+9 bps
Efficiency Ratio70.28%68.93%66.68%63.82%66.39%-389 bps
Growth
Asset Growth (YoY)8.06%9.27%9.55%11.52%9.11%+104 bps
Loan Growth (YoY)12.14%18.24%17.65%13.32%7.42%-473 bps
Share Growth (YoY)7.84%8.70%8.91%11.38%8.88%+104 bps
Asset Quality
Delinquent Loans / Loans0.43%0.68%0.84%0.88%0.90%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.42%11.58%11.57%11.36%11.56%+13 bps
Net Worth / Assets11.42%11.58%11.57%11.36%11.56%+13 bps
Liquidity & Funding
Loans / Shares76.37%80.86%78.81%75.07%75.34%-103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Siu

Carbondale, IL · Charter 60279 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 7 branches

Q2 2026

$591.3MAssets
$391.4MLoans
$519.4MShares
$68.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 276 of 1681).
  • Widest gap: equity / assets trails 64% of credit unions under $1B in assets (rank 1070 of 1683).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

1.17%

Rank 431 of 1,683

Net Interest Margin

3.58%

Rank 1,056 of 1,683

Efficiency Ratio

66.39%

Rank 342 of 1,682

Equity / Assets

11.56%

Rank 1,070 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.17%0.35%0.74%1.18%Beats 74%431 / 1,683
Return on Equity10.09%2.67%5.89%8.74%Beats 84%276 / 1,681
Net Interest Margin3.58%3.31%3.82%4.32%Beats 37%1,056 / 1,683
Efficiency Ratio66.39%68.91%78.20%86.93%Beats 80%342 / 1,682
Asset Quality
Nonperforming Loans / Loans0.90%0.26%0.65%1.29%Beats 38%1,050 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.56%10.44%12.89%16.53%Beats 36%1,070 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.56%10.44%12.89%16.53%Beats 36%1,070 / 1,683
Liquidity & Funding
Loans / Deposits75.34%52.61%69.38%83.50%60th pctl666 / 1,683
Loans / Assets66.18%44.71%59.18%70.72%65th pctl589 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution